Life rarely goes according to plan. When you’re faced with an unexpected bill or loss of income, an emergency loan at ACE Cash Express may be able to offer the quick relief you need. Depending on your state, apply online or in-store for the cash you need,1 and, if approved, use these emergency funds to get you to your next payday. For approved online loans, have money direct deposited into your bank account by the next business day, or, if eligible and depending on the state, pick up cash same-day at one of our stores.²  For approved in-store loans,  you can walk out with cash in-hand immediately.²

 

Our emergency loans are available in-store or online, depending on your state. You can find a store near you to apply in person or fill out an online loan application. If you’re in a financial bind, a loan at ACE may be able to help your short-term cash needs.

 

What is an emergency loan?

Emergency loans are loans that offer quick access to the funds you need to pay for any unexpected expenses or bills. At ACE Cash Express, we have short-term loan options that may be able to get you the emergency cash you need. Depending on your state, you can apply for a payday advance, installment loan, or title loan. Depending on your state, you may be able to apply in-store and take home cash same-day or apply online and have money direct deposited to your bank account the next business day!2

 

Are emergency loans bad credit loans?

No. ACE Cash Express may be an option for people who need an emergency loan, and your credit situation is just one factor that may be considered.  We encourage everyone to apply, but we do not offer emergency loans specifically for individuals with bad credit.

 

Unfortunately, there are companies that claim to offer bad credit loans. If you don’t have good credit, we urge you to use caution with these companies. Always choose a reputable company for your financial emergencies.

 

When should I apply for an emergency loan?

Emergencies look different for everyone. You might need to pay for an unexpected medical bill or make a repair to your home or car. In any situation, you can apply for an emergency loan to help you make ends meet. By repaying your loan quickly, you can begin to recover from your unexpected costs without additional worries.

 

How to get an emergency loan

To get an emergency loan at ACE Cash Express, you can start by determining which loans are available in your state. Our short-term loan options have simple applications that require just a few minutes to complete. If approved, depending on your state, you can pick up your funds the same day at one of our ACE Cash Express locations or have the cash deposited the next business day.2

 

What are payday loans?

Payday loans are also called payday advances or cash advances. These short-term loans offer a quick application process and short repayment period. If you’re approved, your loan is typically due on your next payday. A payday advance may be a helpful solution for an emergency.

 

What is an installment loan?

With a quick application process, an installment loan gives you more time to repay your loan than a payday loan.3 An installment loan allows you to make multiple payments that are substantially equal in amount to repay the full amount of the loan over time, or you can choose to repay the loan early without penalty, which may save you money on interest and fees.

 

What are my loan options for applying for fast cash?

Applying for an emergency loan only takes a few minutes. Depending on your state, we offer both in-store and online loan applications, which you can learn more about below. To complete your loan application at ACE Cash Express, you will need the following information:

 

Online:

Personal Information 

  • Name  
  • Address  
  • Valid and Active Email  
  • Phone Number  
  • Valid Social Security Number or Individual Taxpayer Identification Number  

Income Information  

  • Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source 
  • Proof of active bank account that we ask to be open for at least one month. California customers must have proof of an active, personal checking account that we ask to be open for at least one month.

 

In-Store:

Personal Information

  • Name  
  • Address  
  • Valid and Active Email, where applicable
  • Phone Number  
  • Valid Social Security Number or Individual Taxpayer Identification Number, where applicable
  • Valid, government-issued ID  

Income Information  

  • Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source 
  • Proof of a bank account that we ask to be open for at least one month. Debit cards or pre-printed checks may be accepted in your state as proof of bank account. Contact your local store for details. Acceptable documents may vary by state. California customers must have proof of an active, personal checking account that we ask to be open for at least one month.

 

You’ll receive a quick decision on your loan application. If you receive emergency loan funds and change your mind, you can simply return the full principal amount within 72 hours and pay nothing more. In Ohio, you can cancel your loan and return the funds by 5 p.m. CT on the third business day to avoid any penalties. If you get an emergency loan on Monday, for example, you must cancel your loan and return the funds by 5 p.m. CT on Thursday.

 

In-store vs. online loan applications

You may be able to apply for a loan either at your local store or online, depending on your state. If you are approved for an in-store emergency loan, you can leave the store with your cash that day.2 We offer next-business-day deposits for customers who get approved for online loans

 

To learn more about our emergency loans, you can always call us at 877-223-2274 to speak with a representative.